+

WO1998052151A1 - Transaction electronique - Google Patents

Transaction electronique Download PDF

Info

Publication number
WO1998052151A1
WO1998052151A1 PCT/SE1998/000897 SE9800897W WO9852151A1 WO 1998052151 A1 WO1998052151 A1 WO 1998052151A1 SE 9800897 W SE9800897 W SE 9800897W WO 9852151 A1 WO9852151 A1 WO 9852151A1
Authority
WO
WIPO (PCT)
Prior art keywords
card
transaction message
information
transaction
message
Prior art date
Application number
PCT/SE1998/000897
Other languages
English (en)
Swedish (sv)
Inventor
Hans Sjöblom
Original Assignee
Access Security Sweden Ab
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Family has litigation
First worldwide family litigation filed litigation Critical https://patents.darts-ip.com/?family=20406952&utm_source=google_patent&utm_medium=platform_link&utm_campaign=public_patent_search&patent=WO1998052151(A1) "Global patent litigation dataset” by Darts-ip is licensed under a Creative Commons Attribution 4.0 International License.
Priority to AT98923270T priority Critical patent/ATE300770T1/de
Priority to NZ501074A priority patent/NZ501074A/en
Priority to IL13268998A priority patent/IL132689A0/xx
Priority to EP98923270A priority patent/EP0981804B1/fr
Priority to HU0001872A priority patent/HU224268B1/hu
Priority to PL98336938A priority patent/PL336938A1/xx
Priority to DE69830993T priority patent/DE69830993T2/de
Priority to AU75602/98A priority patent/AU741873C/en
Priority to JP54915498A priority patent/JP2001525093A/ja
Application filed by Access Security Sweden Ab filed Critical Access Security Sweden Ab
Priority to RU99127302/09A priority patent/RU99127302A/ru
Priority to US09/423,511 priority patent/US7254561B1/en
Priority to CA002288727A priority patent/CA2288727C/fr
Publication of WO1998052151A1 publication Critical patent/WO1998052151A1/fr
Priority to NO995529A priority patent/NO337079B1/no
Priority to HK00105461A priority patent/HK1026286A1/xx

Links

Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3226—Use of secure elements separate from M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
    • G06Q20/3255—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks using mobile network messaging services for payment, e.g. SMS
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/346—Cards serving only as information carrier of service
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/363—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/0806—Details of the card
    • G07F7/0813—Specific details related to card security
    • G07F7/082—Features insuring the integrity of the data on or in the card
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/0866—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means by active credit-cards adapted therefor

Definitions

  • the present invention relates to electronic transactions, i.e. primarily payments, which are effected electronically. More specifically, the invention con- cerns electronic transactions effected while employing a user card, such as a cash card, credit card, charge card, or the like, said card being a so-called smart card.
  • a user card such as a cash card, credit card, charge card, or the like
  • a main object of the present invention is to facilitate electronic transactions in a simplified fashion while maintaining full security.
  • a further object is to facilitate different kinds of electronic transactions within the scope of the same basic concept.
  • One more object is to facilitate electronic transactions independently of the choice of information transfer channel for the used transaction message.
  • a still further object is to facilitate electronic transactions which basically do not require transmission of the used transaction message through a reliable information transfer channel.
  • the invention thus is based on an insight of the advantage of using special transaction messages which, independently and under the user's full control, are created by a user and which are of such nature that they can have been created by the user only, they cannot have been tampered with while being transferred to a receiver or addressee without such tampering being easily recognised (authentication) and can easily be validated after transfer for the purpose of finalising the desired transaction.
  • the sender uses a unique smart card assigned to him, w th a private key stored therein (whose public equivalence in an asymmetrical cryptographic system is generally available) m order to provide a transaction message created by the sender with a digital signature which is unique to the sender, whereupon the signed transaction message can be transferred n an arbitrary manner.
  • the digital signature further entails a data lock which prevents the message from being tampered with without this being recognised m a subsequent authentication by using the generally available public key, which belongs to the user.
  • the user's independent creating of the transaction message means full control of the contents of the message.
  • the invention thus requires that sensitive information, such as a card number, in the transmitted transaction message be connected to a digital signature to make the information at issue usable. Without connection to a digital signature, the information thus is basically of no value and consequently cannot be misused for false network transactions, even if the information could be caught by a person not concerned m connection with a transmission of the transaction message.
  • a transaction message according to the invention contains information on sender, transaction amount and receiver and preferably a variable piece of information, such as a serial number.
  • the user thus creates what can be said to be a signed "electronic cheque", which can be transmitted m an arbitrary manner and at an arbitrary point of time to an addressee or receiver.
  • a transaction message according to the invention can be checked for authenticity by checking the digital signature, whereupon validation and charging or crediting the receiver with the transaction amount at issue can take place m an arbitrary, suitable manner, suitably according to the same principles as apply to the cashing of an ordinary cheque or to clearing m connection with a card purchase.
  • the transmitted, signed transaction message may contain the required transaction information as plain text, in which case the digital signature can, in a manner known per se, be provided on the basis of a condensate of the message information. This means that the subsequent authentication, validation and crediting on the receiver side will be facilitated since the required information is immediately available, such as information on sender, which makes it easy to fetch the correct public key for authentication of the digital signature .
  • the transmitted transaction message can be provided with special sender information which makes it possible on the receiver side to fetch the correct public key for authentication and conversion of the transaction message into plain text.
  • the transaction message may contain sender information of an arbitrary, suitable kind, such as at least one of the following pieces of information: a card number, a cash card number, a charge card number, a credit card number, an account number, an invoice number and an ID number.
  • sender information of an arbitrary, suitable kind, such as at least one of the following pieces of information: a card number, a cash card number, a charge card number, a credit card number, an account number, an invoice number and an ID number.
  • sender information of an arbitrary, suitable kind, such as at least one of the following pieces of information: a card number, a cash card number, a charge card number, a credit card number, an account number, an invoice number and an ID number.
  • At least one of the following pieces of information may be involved: a card number, a cash card number, a charge card number, a credit card number, an account number, an invoice number and an ID number. Also in this case, it is sufficient that the information on the receiver side can be unambiguously related to a receiver of payment. It should be noted that transferring a transaction amount to a receiver need not entail the crediting of a receiver account, but it may also imply that e.g. an administrative unit receiving the transaction message, after authentication and validation, charges a sender account and sends to the receiver what may be considered a check or a postal order.
  • an essential feature of the present invention is that the sender, i.e. the user of the smart card, creates and signs the transaction message under his own control, i.e. basically independently of a connection to a communications network and of a computer dialogue with a receiver, although such a dialogue of course may take place in connection with the transmission of a signed transaction message. Consequently the trans ⁇ action message is created preferably without connection to the communications network or off-line.
  • the sender fully controls which data are input for creating of the transaction message.
  • the signing can be carried out only by the sender since in the normal case he is the only one to be able to activate his smart card and to release the signing.
  • the transmission or handing over of the signed transmission message there are, however, no restrictions, as will be quite easily appreciated.
  • the user or some person assisting him may take the smart card with the signed transaction message present therein to send the message later, to send the message from some other place etc, that is to say there is a great freedom of choice.
  • the signed transaction message could also be transferred to special intermediate materials or a transport medium to be transmitted to a receiver and/or addressee .
  • the transaction message is created in the smart card.
  • the transaction message may suitably be created by means of the software inserted in the smart card in advance and sender information preferably inserted in the card in advance, e.g. a card number.
  • a new serial num- ber is automatically created for each transaction message.
  • the input of the necessary message information in the card may be carried out in different ways, for in- stance with the aid of the input means arranged on the smart card, the card advantageously consisting of a so- called advanced smart card.
  • Information that is required for the transaction message can also be input with the aid of a protected card terminal, which advantageously may consist of the user's own terminal or computer provided with a card reader.
  • Information that is necessary for the transaction message can also be input by means of a separate card communication unit, the latter prefer- ably later also serving as card activator.
  • a separate card communication unit the latter prefer- ably later also serving as card activator.
  • Such a unit can advantageously be designed as a small portable unit, which the user may take along and which is utilised by the user when he wants to activate his card and/or input information in the card in surroundings where no protect- ed card terminal is available.
  • Information which is required for the transaction message can also be input by means of a telecommunications unit controlled by the smart card, especially a mobile telecommunications unit, such as a mobile tele- phone device.
  • the unit may also be used to transfer the signed transaction message, for instance by using a so-called SMS-type service.
  • a method for carrying out electronic transactions, in which a sender of transaction messages is assigned a smart card with an associated unique identity and a private key stored in the card in a protected manner, and in which an associated public key is kept generally available, said method being characterised in that in connection with an electronic transaction under the sender's own control, preferably through his own input of message information, the sender creates a transaction message, which contains information necessary for the transaction, and, in his smart card, provides the created transaction message with his digital signature while using his own private key for the purpose of subsequent output and transmission of the transaction message.
  • a smart card for carrying out electronic transactions, said card comprising means for storing of card identification information, means for protected storing of a private key, means for storing of an asymmetrical algorithm, means for input of transaction information into the card, processor means for creating in the card a transaction message based on input transaction information, such as information on amount and receiver, and optionally information stored in the card, such as information on sender and preferably a serial number, and for providing the transaction message with a digital signature on the basis of said private key and said asymme- trical algorithm, and means for output of the signed transaction message.
  • a combination is provided of a smart card and a user-controlled communication unit, which is arranged for communication with the smart card and with which the card is adapted to be combined with a view to producing an electronic transaction message, the card comprising means for protected storing of a private key, means for storing of an asymmetrical algorithm and processor means for pro- viding a created transaction message with a digital signature based on said private key and said algorithm, and said communication unit comprising means for input of transaction information, and means being arranged in the communication unit and/or in the card for producing said transaction message.
  • a fourth aspect of the present invention involves use of a smart card with a private key stored therein and asymmetrical cryptographic algorithm for providing in the card, independently of the communications network, an electronic transaction message provided with a digital signature based on the private key. Additional aspects of distinctive features of the invention will appear from the following detailed description of various embodiments with reference to the accompanying drawings .
  • FIG. 1 is a schematic illustration of an example of the carrying out of electronic transactions by using an open network, such as the Internet, in accordance with an embodiment of the present invention.
  • Fig. 2 is a schematic illustration of the same kind as in Fig. 1, exemplifying alternative ways of carrying out electronic transactions according to the invention.
  • Fig. 3 is a schematic illustration of an example of the carrying out of electronic transactions by using a shop card terminal, according to a different embodiment of the present invention.
  • Fig. 4 is a schematic illustration of the same kind as in Fig. 3 of another example of the carrying out of electronic transactions by using a shop card terminal, according to the present invention.
  • Fig. 5 is a schematic illustration of an example of the carrying out of electronic transactions by using a mobile telephone system, according to one more embodiment of the present invention.
  • Fig. 6 is a schematic illustration of an example of the carrying out of electronic transactions by using an open network for direct contact with a bank, according to another embodiment of the present invention.
  • Fig. 7 is a schematic illustration of examples showing how an advanced smart card can be used to carry out electronic transactions in accordance with the present invention. Description of Embodiments
  • Fig. 1 illustrates schematically a first embodiment of the invention, which can be used for credit card payment via an open network, such as the Internet, between a sender and a receiver included in a network.
  • the sender has access to a smart card 1 and a computer 3 which is provided with a suitable card reader (indicated at 2), and which typically can be a home computer and is connected to the Internet 5.
  • a network server 7 is connected to the network 5 and to various credit card administrators 8 and 9 included in the network.
  • the latter are in conventional manner connected to each other and to various institutions keeping accounts, such as banks 10, 11.
  • the sender is supposed to have an account in the bank 10 and a credit card administered by the administrator 8, while the receiver 12 has an account in the bank 11 and a credit card administered by the administrator 9.
  • a trusted third party (TTP) 13 is network admini- strator and responsible for the necessary handling of keys. TTP 13 thus assigns to each user his private key which is stored in a protected manner in the user's card 1, and keeps a catalogue 15 available, from which the public key of each user can be collected.
  • said memory and processor means contain a cryptographic algorithm of an asymmetrical type, which can be a DES algo- rithm, and software for effecting the signing of a transaction message based on the private key and said cryptographic algorithm.
  • the smart card 1 is activated in an arbitrary, suitable manner, for instance by means of a PIN input in the card, or biometrically.
  • the card 1 When performing a transaction, the card 1 is placed in the card reader 17 of the computer 3 and the card is activated if this has not already been done. A transaction message can now be created in the smart card 1 and/or in the computer 3. If the creation takes place exclusively in the card, which from the viewpoint of security may be preferred, the card also contains soft- ware that is suitable for this purpose. In this case, the required information for the transaction message (especially regarding amount and receiver) is input via the keyboard of the computer 3 into the card.
  • message information is input via the keyboard. It is advantageous to use as sender information a card identification, such as the number of the smart card, which is automatically supplied by the card as the transaction message is being created. As receiver information the card number of the receiver can advantageously be input.
  • the transaction message After creating the transaction message, it should be provided with a serial number and signed, which, as mentioned above, is effected in the card. If the actual message has been created in the card, it may be desirable, with a view to restricting the software that must be available in the card, to effect the digital signature on the actual message, whereby the message obtains the form of cryptographic text.
  • the signed message which is then transferred must be able to supply information on the sender, thereby making it possible to collect the public key necessary for authentication, as will be described below.
  • the transaction message is created in the sender's own protected computer, it may be suitable to generate the digital signature on a condensate of the actual message, which will be available as plain text and also can be transmitted as plain text.
  • the signed transaction message can now advantageously be given the form of e-mail and then be transmitted via the network 5 to the network server 7.
  • the server 7 can, based on the information in the transaction message, directly send the signed message either to the sender's or the receiver's card administrator 8, 9, respectively, for the purposes of authentication and, if authenticity has been established, subsequent validation, charging the sender and crediting the sender with the transaction amount involved, while applying a suitable clearing procedure.
  • the authentication means that, for instance, the sender's card administrator fetches the sender's public key from a key catalogue of his own or the catalogue 15 of TTP 13 and, by means thereof and of the cryptographic algorithm involved, checks the digital signature of the message .
  • the server 7 fetches from the cata- logue 15 the public key belonging to the sender who can be identified by the received, signed transaction message, e.g. on the basis of special sender information such as a network identity or Internet identity. After conventional decrypting of the message by using the fetched public key, the server 7 has access to the information of the message as plain text and can send the message on for authentication etc, as mentioned above.
  • Fig. 2 illustrates schematically a second embodiment of the invention, which uses basically the same configuration as in Fig. 1, although the transaction message from the sender is transmitted directly to a receiver's computer 21 via the network 5.
  • the receiver sends the message on, which can be carried out via the network to the server 7, as indicated by the arrow 23, or by some other route as indicated by the arrow 25.
  • the actual message is available as plain text, such that the receiver can see the information therein even if he does not have immediate access to the sender's public key for authentication or decryption of the digital signature.
  • the signed message can however be encrypted by the sender with a public key belonging to the receiver, in which case the receiver upon receipt decrypts the message by using his own private key and the associated cryptographic algorithm and then forwards the decrypted, but still signed message.
  • FIG. 3 illustrates schematically an embodiment of the invention which is suited for transactions via a foreign "terminal" 31 and which uses a user-controlled portable unit 33 for creating a transaction message.
  • the unit 33 consists of a combined activator and information inputting means for the smart card.
  • the unit 33 is in a suitable manner arranged for communication with the card 1, for instance by comprising an integrated card reader, into which the card is inserted.
  • the unit 33 further has a keyboard and a display.
  • the card When paying m e.g. a shop, the card is inserted in the unit 33 and activated, for instance, by inputting a PIN code by means of the keyboard of the unit. By means of the keyboard, the necessary payment information is also input, such as amount and receiver. If the transaction message is both created and signed in the actual card, the actual information will be transferred to the card. If the actual message and optionally a condensate thereof are to be created m the unit 33 for the purposes of transferring to and signing m the card 1, the unit is provided with processor means and the software required for this purpose.
  • the card with the signed transaction message is now removed from the unit 33 and inserted into the shop's reader/terminal 31, from which the message is transmitted for continued processing m the same manner as described above. Accepted authentication and validation may suitably result m a receipt being sent back to the terminal. It will be appreciated that the terminal 31 could, of course, communicate with the server 7 in some other manner than via the network 5, for instance via a protected connection.
  • Fig. 4 illustrates a variant of the embodiment shown m Fig. 3.
  • the unit 33 in Fig. 3 is replaced by a protected, preferably off-line computer or terminal 43, which can be arranged in, for instance, a shop and permits off-line, secure creation of a transaction message m a way similar to that described in connection with Fig. 3, for the purposes of input in a shop card terminal 31.
  • Fig. 5 illustrates an embodiment of the present invention which involves the use of a mobile telephone device 51 and an associated mobile telephone network 55.
  • the mobile telephone device comprises, in addition to a mobile telephone function, also such an activating and input function as described in connection with the unit 33 in Fig. 3.
  • the mobile telephone function is preferably also controlled by the smart card.
  • the signed transaction message is transmitted to a unit or central unit 57, which effects continued processing of the transaction message, for instance, in accordance with that described in connection with the preceding Figures.
  • the transmission of the transaction message can ad- vantageously take place while using a so-called SMS service or the like of the mobile telephone network.
  • the unit 57 could also be a special central unit, which after authentication etc. effects payments based on the received transaction messages.
  • Fig. 6 illustrates an embodiment of the present invention which advantageously can be used to effect payment orders.
  • signed transaction messages are created as described, in this case exemplified with the same method as in Fig. 1.
  • the transaction message is transmitted to the sender's bank 10 keeping the account, which in a catalogue 60 has access to the sender's public key.
  • the bank could be card issuer and key administrator and that the sender information in the transaction mes- sage can suitably consist of the sender's bank account number .
  • the sender's bank 10 Upon receipt of a transaction message and authentication thereof, the sender's bank 10 provides for, by a clearing procedure, the payee, who is identified in the transaction message suitably by the associated bank account number, being credited with the amount at issue, i.e. the receiver's account in the receiver's bank 11 being credited with the amount at issue.
  • sender's bank 10 sends a delivery order directly to the receiver 12 based on, for instance, receiver information in the transaction message. This alternative is indicated by means of the dashed line 62 in Fig. 6.
  • the sender uses the public key of the bank 10 and preferably the same cryptographic algorithm as is used for signing.
  • the bank 10 can immediately carry out decryption by using its private key. If the bank 10 is administrator of the sender's pair of keys, i.e. has both the public key and the private key belonging to the sender, the sender can alternatively carry out the encryption of the signed message with the aid of his public key.
  • the bank 10 can then decrypt the transmitted message by using the sender's private key, which is collected from a catalogue, before authentication is carried out by using the sender's public key.
  • Fig. 7 illustrates schematically the use of a so-called advanced smart cart in connection with the invention.
  • the advanced smart card 71 also has a keyboard and a display, which allows that a signed transaction message can be created in the card completely without external aids. Subsequently the card can be inserted into e.g. a computer or a terminal for the purposes of for- warding the message and continued processing in accordance with that described above.

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Finance (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Computer Security & Cryptography (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Organic Low-Molecular-Weight Compounds And Preparation Thereof (AREA)
  • Mechanical Treatment Of Semiconductor (AREA)
  • Glass Compositions (AREA)
  • Credit Cards Or The Like (AREA)
  • Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)
  • Information Transfer Between Computers (AREA)

Abstract

L'invention concerne un procédé et un dispositif permettant d'effectuer des transactions électroniques. Un émetteur produit, en assurant le contrôle complet des opérations, un message de transaction dans une carte à puce (1) et dote ce message localisé dans la carte de sa signature numérique pour une sortie et une transmission ultérieures.
PCT/SE1998/000897 1997-05-15 1998-05-14 Transaction electronique WO1998052151A1 (fr)

Priority Applications (14)

Application Number Priority Date Filing Date Title
CA002288727A CA2288727C (fr) 1997-05-15 1998-05-14 Transaction electronique
DE69830993T DE69830993T2 (de) 1997-05-15 1998-05-14 Elektronische transaktion und chipkarte für eine elektronische transaktion
IL13268998A IL132689A0 (en) 1997-05-15 1998-05-14 Method and device for electronic transaction
EP98923270A EP0981804B1 (fr) 1997-05-15 1998-05-14 Transaction electronique et carte a puce pour une transaction electronique
HU0001872A HU224268B1 (hu) 1997-05-15 1998-05-14 Eljárás elektronikus tranzakciók végrehajtására, továbbá chipkártya, valamint chipkártyát és felhasználó által vezérelt kommunikációs egységet tartalmazó rendszer
PL98336938A PL336938A1 (en) 1997-05-15 1998-05-14 Electronic transaction
AU75602/98A AU741873C (en) 1997-05-15 1998-05-14 Electronic transaction
AT98923270T ATE300770T1 (de) 1997-05-15 1998-05-14 Elektronische transaktion und chipkarte für eine elektronische transaktion
JP54915498A JP2001525093A (ja) 1997-05-15 1998-05-14 電子取引
NZ501074A NZ501074A (en) 1997-05-15 1998-05-14 Electric transaction
RU99127302/09A RU99127302A (ru) 1997-05-15 1998-05-14 Электронная сделка
US09/423,511 US7254561B1 (en) 1997-05-15 1998-05-14 Method and device for performing electronic transactions
NO995529A NO337079B1 (no) 1997-05-15 1999-11-12 Elektronisk transaksjon
HK00105461A HK1026286A1 (en) 1997-05-15 2000-08-31 Electronic transaction and smart card for a electronic transaction

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
SE9701814A SE512748C2 (sv) 1997-05-15 1997-05-15 Förfarande, aktivt kort, system samt användning av aktivt kort för att genomföra en elektronisk transaktion
SE9701814-7 1997-05-15

Publications (1)

Publication Number Publication Date
WO1998052151A1 true WO1998052151A1 (fr) 1998-11-19

Family

ID=20406952

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/SE1998/000897 WO1998052151A1 (fr) 1997-05-15 1998-05-14 Transaction electronique

Country Status (17)

Country Link
US (1) US7254561B1 (fr)
EP (1) EP0981804B1 (fr)
JP (1) JP2001525093A (fr)
CN (1) CN1218261C (fr)
AT (1) ATE300770T1 (fr)
AU (1) AU741873C (fr)
CA (1) CA2288727C (fr)
DE (1) DE69830993T2 (fr)
HK (1) HK1026286A1 (fr)
HU (1) HU224268B1 (fr)
IL (1) IL132689A0 (fr)
NO (1) NO337079B1 (fr)
NZ (1) NZ501074A (fr)
PL (1) PL336938A1 (fr)
RU (1) RU99127302A (fr)
SE (1) SE512748C2 (fr)
WO (1) WO1998052151A1 (fr)

Cited By (32)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2000031699A1 (fr) * 1998-11-22 2000-06-02 Easy Charge Cellular (Pty) Limited Procede et dispositif pour la conduite de transactions electroniques
DE19903822A1 (de) * 1999-02-02 2000-08-10 Mathias Entenmann Verfahren zur Durchführung bargeldloser Zahlungen und System zur Durchführung des Verfahrens
DE19903363A1 (de) * 1999-01-28 2000-08-10 Mueller Judex Donald Verfahren, System und Mobilstation zur Durchführung von bargeldlosen Transaktionen
WO2000048146A1 (fr) * 1999-02-09 2000-08-17 Sonera Oyj Procede et systeme pour l'emission de messages
WO2001008110A1 (fr) * 1999-07-23 2001-02-01 Cubic Corporation Procede et dispositif servant a etablir une liaison de communication securisee par carte a puce par l'intermediaire d'un reseau de communication
WO2001009851A1 (fr) * 1999-07-30 2001-02-08 Visa International Service Association Transactions par carte a puce, via un reseau de telecommunications sans fil
WO2001050360A2 (fr) * 1999-12-29 2001-07-12 Vodafone Ag Banque virtuelle
WO2001080193A1 (fr) * 2000-04-17 2001-10-25 Cardsoft International Pty Limited Dispositif de communications avec fonction de carte
WO2001080115A1 (fr) * 2000-04-14 2001-10-25 Gennady Efimovich Prigorovner Procede de paiement et de reception de biens et services utilisant des codes d'identification et systeme permettant la mise en oeuvre de ce procede
DE10022774A1 (de) * 2000-05-10 2001-12-06 Mueller Judex Donald Mobilfunksystem
WO2002048974A1 (fr) * 2000-12-15 2002-06-20 Bording Data A/S A method for communicating a transaction between a payment terminal and at least one acquirer
WO2002067496A1 (fr) * 2001-02-19 2002-08-29 Telia Ab (Publ) Gestion de contrat
JP2002537619A (ja) * 1999-02-18 2002-11-05 オービス・パテンツ・リミテッド クレジットカードシステム及び方法
WO2002097751A1 (fr) * 2001-06-01 2002-12-05 Société Française du Radiotéléphone Procédé et dispositif de certification d'une transaction
FR2827448A1 (fr) * 2001-07-12 2003-01-17 Gemplus Card Int Procede assurant une garantie de paiement pour le commerce electronique notamment par telephone mobile et systeme de mise en oeuvre
JP2003504741A (ja) * 1999-06-30 2003-02-04 エヌシーアール インターナショナル インコーポレイテッド 携帯端末装置
WO2004057547A1 (fr) * 2002-12-23 2004-07-08 Telia Ab (Publ) Procede et systeme pour transmettre des donnees
US7072854B2 (en) 2001-02-06 2006-07-04 Wincor Nixdorf International Gmbh Payment system by means of a mobile device
AT501457A1 (de) * 2000-12-06 2006-09-15 Schwab Thomas Anlage für einen elektronischen zahlungsverkehr
DE102004041356B4 (de) * 2004-08-25 2006-12-07 Claudia Von Heesen Verfahren und System zur sicheren Abwicklung von elektronischen Finanzdienstleistungen mithilfe einer elektronischen Finanzdienstleistungsvermittlungseinrichtung
KR100763793B1 (ko) 2006-10-12 2007-10-05 주식회사 하이스마텍 다기능 이동통신단말기 및 이를 이용한 통신방법
US7831520B2 (en) 2005-06-28 2010-11-09 Ebay Inc. Mobile device communication system
AU2013205181B1 (en) * 2012-02-29 2013-07-18 Google Llc In-card access control and monotonic counters for offline payment processing system
AU2013202684B1 (en) * 2012-02-29 2013-07-18 Google Llc In-card access control and monotonic counters for offline payment processing system
US8595131B2 (en) 2001-07-26 2013-11-26 Giesecke & Devrient Gmbh Method for paying for a service offered by means of a data network
US8898088B2 (en) 2012-02-29 2014-11-25 Google Inc. In-card access control and monotonic counters for offline payment processing system
US8959034B2 (en) 2012-02-29 2015-02-17 Google Inc. Transaction signature for offline payment processing system
US9020858B2 (en) 2012-02-29 2015-04-28 Google Inc. Presence-of-card code for offline payment processing system
US9083486B2 (en) 2011-09-26 2015-07-14 Cubic Corporation Personal point of sale
US9473295B2 (en) 2011-09-26 2016-10-18 Cubic Corporation Virtual transportation point of sale
US10019704B2 (en) 2011-09-26 2018-07-10 Cubic Corporation Personal point of sale
US10192214B2 (en) 2013-03-11 2019-01-29 Google Llc Pending deposit for payment processing system

Families Citing this family (11)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
AU2001257280C1 (en) * 2000-04-24 2009-01-15 Visa International Service Association Online payer authentication service
US7333637B2 (en) 2000-04-28 2008-02-19 Precise Biometrics Ab Biometric identity check
JP4979912B2 (ja) * 2005-08-31 2012-07-18 フェリカネットワークス株式会社 情報処理システム，クライアント，サーバ，プログラム，情報処理方法
EP2359526B1 (fr) 2008-11-04 2017-08-02 SecureKey Technologies Inc. Système et procédés pour une authentification en ligne
EP2401838B1 (fr) 2009-02-19 2013-12-11 SecureKey Technologies Inc. Système et procédés d'authentification en ligne
WO2011066658A1 (fr) * 2009-12-01 2011-06-09 Securekey Technologies Inc. Système et procédés de validation d'attributs d'identité
CN101982989A (zh) * 2010-10-29 2011-03-02 蒋晴琴 一种基于涂层防伪技术的加密系统
CN103699991A (zh) * 2012-09-27 2014-04-02 黄金富 电子支票系统和相应方法
CN102968865B (zh) * 2012-11-23 2016-08-31 易联支付有限公司 一种移动支付的认证方法及系统
CN103560890A (zh) * 2013-11-18 2014-02-05 黄燕平 基于移动终端的网络交易系统和方法
US11334881B2 (en) * 2019-01-28 2022-05-17 Bank Of America Corporation Security tool

Citations (9)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP0166541A2 (fr) * 1984-06-25 1986-01-02 Kabushiki Kaisha Toshiba Réseau de communications utilisant un dispositif de chiffrage et de déchiffrage
EP0214609A2 (fr) * 1985-09-04 1987-03-18 Hitachi, Ltd. Méthode et système de transaction électronique
US4849613A (en) * 1984-05-12 1989-07-18 Betriebswirtschaftliches Institut Der Deutschen Kreditgenossenschaft Bik Gmbh Method and device for making an electronic authentication
US4926480A (en) * 1983-08-22 1990-05-15 David Chaum Card-computer moderated systems
EP0385400A2 (fr) * 1989-03-01 1990-09-05 Tandem Computers Incorporated Appareil et méthode à plusieurs niveaux de sécurité avec clef personnelle
US5130519A (en) * 1990-01-16 1992-07-14 George Bush Portable pin card
US5502765A (en) * 1992-09-18 1996-03-26 Nippon Telegraph And Telephone Corporation Method and apparatus for settlement of accounts by IC cards
US5721781A (en) * 1995-09-13 1998-02-24 Microsoft Corporation Authentication system and method for smart card transactions
WO1998025220A1 (fr) * 1996-12-04 1998-06-11 Kent Ridge Digital Labs (Krdl) Systeme de paiement par carte a microprocesseur

Family Cites Families (35)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4529870A (en) * 1980-03-10 1985-07-16 David Chaum Cryptographic identification, financial transaction, and credential device
FR2514593B1 (fr) 1981-10-09 1986-12-26 Bull Sa Procede et dispositif pour authentifier la signature d'un message signe
US4825050A (en) 1983-09-13 1989-04-25 Transaction Security Corporation Security transaction system for financial data
US4614861A (en) * 1984-11-15 1986-09-30 Intellicard International, Inc. Unitary, self-contained card verification and validation system and method
US4868376A (en) * 1987-05-15 1989-09-19 Smartcard International Inc. Intelligent portable interactive personal data system
US5005200A (en) * 1988-02-12 1991-04-02 Fischer Addison M Public key/signature cryptosystem with enhanced digital signature certification
JPH0326126A (ja) 1989-06-23 1991-02-04 Toshiba Corp 電子署名作成装置
FR2657706B1 (fr) 1990-01-30 1992-11-27 Gemplus Card Internal Sa Procede et dispositif de gestion de transactions utilisant des cartes a microcircuit.
GB9008362D0 (en) 1990-04-12 1990-06-13 Hackremco No 574 Limited Banking computer system
GB9121995D0 (en) 1991-10-16 1991-11-27 Jonhig Ltd Value transfer system
GB2261538B (en) * 1991-11-13 1995-05-24 Bank Of England Transaction authentication system
TW200624B (en) * 1992-04-06 1993-02-21 American Telephone & Telegraph A universal authentication device for use over telephone lines
US5280527A (en) * 1992-04-14 1994-01-18 Kamahira Safe Co., Inc. Biometric token for authorizing access to a host system
US5422953A (en) * 1993-05-05 1995-06-06 Fischer; Addison M. Personal date/time notary device
US5649118A (en) * 1993-08-27 1997-07-15 Lucent Technologies Inc. Smart card with multiple charge accounts and product item tables designating the account to debit
FR2713419B1 (fr) 1993-12-02 1996-07-05 Gemplus Card Int Procédé de génération de signatures DSA avec des appareils portables à bas coûts.
US5434919A (en) 1994-01-11 1995-07-18 Chaum; David Compact endorsement signature systems
GB9413614D0 (en) 1994-07-06 1994-08-24 Ashley Philip M Credit card or the like and system utilising same
US5694471A (en) 1994-08-03 1997-12-02 V-One Corporation Counterfeit-proof identification card
KR0146624B1 (ko) 1994-12-19 1998-09-15 김광호 신용거래용 카드 및 이를 이용한 신용거래장치 및 방법
WO1998003943A1 (fr) 1995-06-02 1998-01-29 Europay International S.A. Appareil a cartes et systeme de transactions sans numeraire
DK0808535T3 (da) 1995-02-08 2000-04-25 Cryptomathic As Elektronisk negotiable dokumenter
FI99071C (fi) * 1995-02-15 1997-09-25 Nokia Mobile Phones Ltd Menetelmä sovellusten käyttämiseksi matkaviestimessä ja matkaviestin
SE506506C2 (sv) * 1995-04-11 1997-12-22 Au System Elektronisk transaktionsterminal, telekommunikationssystem innefattande en elektronisk transaktionsterminal, smart kort som elektronisk transaktionsterminal samt metod för överföring av elektroniska krediter
FR2733379B1 (fr) 1995-04-20 1997-06-20 Gemplus Card Int Procede de generation de signatures electroniques, notamment pour cartes a puces
FR2734937B1 (fr) 1995-05-30 1997-07-25 Syseca Systeme a cartes a puce intelligentes
IT1277879B1 (it) 1995-07-27 1997-11-12 Telecom Italia Mobile Spa Terminale radiomobile con lettore aggiuntivo di carte a chip.
JPH0962596A (ja) 1995-08-25 1997-03-07 Hitachi Ltd 電子メールシステム
JPH09116960A (ja) 1995-10-18 1997-05-02 Fujitsu Ltd キャッシュレスシステム及び該システムで使用する携帯機
WO1997016779A2 (fr) * 1995-11-03 1997-05-09 Esd Information Technology Entwicklungs Gmbh Procede et unite de securite pour la saisie et l'echange d'informations numerisees
US5943423A (en) * 1995-12-15 1999-08-24 Entegrity Solutions Corporation Smart token system for secure electronic transactions and identification
US6038551A (en) * 1996-03-11 2000-03-14 Microsoft Corporation System and method for configuring and managing resources on a multi-purpose integrated circuit card using a personal computer
US6085320A (en) 1996-05-15 2000-07-04 Rsa Security Inc. Client/server protocol for proving authenticity
US5781723A (en) * 1996-06-03 1998-07-14 Microsoft Corporation System and method for self-identifying a portable information device to a computing unit
US5960084A (en) * 1996-12-13 1999-09-28 Compaq Computer Corporation Secure method for enabling/disabling power to a computer system following two-piece user verification

Patent Citations (9)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4926480A (en) * 1983-08-22 1990-05-15 David Chaum Card-computer moderated systems
US4849613A (en) * 1984-05-12 1989-07-18 Betriebswirtschaftliches Institut Der Deutschen Kreditgenossenschaft Bik Gmbh Method and device for making an electronic authentication
EP0166541A2 (fr) * 1984-06-25 1986-01-02 Kabushiki Kaisha Toshiba Réseau de communications utilisant un dispositif de chiffrage et de déchiffrage
EP0214609A2 (fr) * 1985-09-04 1987-03-18 Hitachi, Ltd. Méthode et système de transaction électronique
EP0385400A2 (fr) * 1989-03-01 1990-09-05 Tandem Computers Incorporated Appareil et méthode à plusieurs niveaux de sécurité avec clef personnelle
US5130519A (en) * 1990-01-16 1992-07-14 George Bush Portable pin card
US5502765A (en) * 1992-09-18 1996-03-26 Nippon Telegraph And Telephone Corporation Method and apparatus for settlement of accounts by IC cards
US5721781A (en) * 1995-09-13 1998-02-24 Microsoft Corporation Authentication system and method for smart card transactions
WO1998025220A1 (fr) * 1996-12-04 1998-06-11 Kent Ridge Digital Labs (Krdl) Systeme de paiement par carte a microprocesseur

Cited By (50)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2000031699A1 (fr) * 1998-11-22 2000-06-02 Easy Charge Cellular (Pty) Limited Procede et dispositif pour la conduite de transactions electroniques
DE19903363C2 (de) * 1999-01-28 2002-05-29 Mueller Judex Donald Verfahren und System zur Durchführung von bargeldlosen Finanztransaktionen
DE19903363A1 (de) * 1999-01-28 2000-08-10 Mueller Judex Donald Verfahren, System und Mobilstation zur Durchführung von bargeldlosen Transaktionen
DE19903822A1 (de) * 1999-02-02 2000-08-10 Mathias Entenmann Verfahren zur Durchführung bargeldloser Zahlungen und System zur Durchführung des Verfahrens
DE19903822C2 (de) * 1999-02-02 2001-09-20 Mathias Entenmann Verfahren zur Durchführung bargeldloser Zahlungen und System zur Durchführung des Verfahrens
WO2000048146A1 (fr) * 1999-02-09 2000-08-17 Sonera Oyj Procede et systeme pour l'emission de messages
JP2002537619A (ja) * 1999-02-18 2002-11-05 オービス・パテンツ・リミテッド クレジットカードシステム及び方法
JP2003504741A (ja) * 1999-06-30 2003-02-04 エヌシーアール インターナショナル インコーポレイテッド 携帯端末装置
WO2001008110A1 (fr) * 1999-07-23 2001-02-01 Cubic Corporation Procede et dispositif servant a etablir une liaison de communication securisee par carte a puce par l'intermediaire d'un reseau de communication
US7437560B1 (en) 1999-07-23 2008-10-14 Cubic Corporation Method and apparatus for establishing a secure smart card communication link through a communication network
WO2001009851A1 (fr) * 1999-07-30 2001-02-08 Visa International Service Association Transactions par carte a puce, via un reseau de telecommunications sans fil
US8417631B2 (en) 1999-07-30 2013-04-09 Visa International Service Association Smart card loading transactions using wireless telecommunications network
US8082211B2 (en) 1999-07-30 2011-12-20 Visa Internatinoal Service Association Smart card purchase transactions using wireless telecommunications network
US8078532B2 (en) 1999-07-30 2011-12-13 Visa International Service Association Smart card loading transactions using wireless telecommunications networks
US8019684B2 (en) 1999-07-30 2011-09-13 Visa International Service Association Smart card load and purchase transactions using wireless telecommunications network
US9020853B2 (en) 1999-07-30 2015-04-28 Visa International Service Association Smart card loading transactions using wireless telecommunications network
US7729986B1 (en) 1999-07-30 2010-06-01 Visa International Service Association Smart card transactions using wireless telecommunications network
US8805746B2 (en) 1999-07-30 2014-08-12 Visa U.S.A. Inc. Smart card purchasing transactions using wireless telecommunications network
US10339522B2 (en) 1999-07-30 2019-07-02 Visa International Service Association Smart card purchasing transactions using wireless telecommunications network
WO2001050360A3 (fr) * 1999-12-29 2002-04-25 Mannesmann Ag Banque virtuelle
WO2001050360A2 (fr) * 1999-12-29 2001-07-12 Vodafone Ag Banque virtuelle
WO2001080115A1 (fr) * 2000-04-14 2001-10-25 Gennady Efimovich Prigorovner Procede de paiement et de reception de biens et services utilisant des codes d'identification et systeme permettant la mise en oeuvre de ce procede
WO2001080193A1 (fr) * 2000-04-17 2001-10-25 Cardsoft International Pty Limited Dispositif de communications avec fonction de carte
DE10022774A1 (de) * 2000-05-10 2001-12-06 Mueller Judex Donald Mobilfunksystem
AT501457A1 (de) * 2000-12-06 2006-09-15 Schwab Thomas Anlage für einen elektronischen zahlungsverkehr
WO2002048974A1 (fr) * 2000-12-15 2002-06-20 Bording Data A/S A method for communicating a transaction between a payment terminal and at least one acquirer
US7072854B2 (en) 2001-02-06 2006-07-04 Wincor Nixdorf International Gmbh Payment system by means of a mobile device
WO2002067496A1 (fr) * 2001-02-19 2002-08-29 Telia Ab (Publ) Gestion de contrat
CN100423030C (zh) * 2001-06-01 2008-10-01 法国无线电话公司 交易认证的方法和装置
FR2825543A1 (fr) * 2001-06-01 2002-12-06 Radiotelephone Sfr Procede et dispositif de certification d'une transaction
WO2002097751A1 (fr) * 2001-06-01 2002-12-05 Société Française du Radiotéléphone Procédé et dispositif de certification d'une transaction
WO2003007251A1 (fr) * 2001-07-12 2003-01-23 Gemplus Procede assurant une garantie de paiement pour le commerce electronique notamment par telephone mobile et systeme de mise en oeuvre
FR2827448A1 (fr) * 2001-07-12 2003-01-17 Gemplus Card Int Procede assurant une garantie de paiement pour le commerce electronique notamment par telephone mobile et systeme de mise en oeuvre
US8595131B2 (en) 2001-07-26 2013-11-26 Giesecke & Devrient Gmbh Method for paying for a service offered by means of a data network
WO2004057547A1 (fr) * 2002-12-23 2004-07-08 Telia Ab (Publ) Procede et systeme pour transmettre des donnees
DE102004041356B4 (de) * 2004-08-25 2006-12-07 Claudia Von Heesen Verfahren und System zur sicheren Abwicklung von elektronischen Finanzdienstleistungen mithilfe einer elektronischen Finanzdienstleistungsvermittlungseinrichtung
US7831520B2 (en) 2005-06-28 2010-11-09 Ebay Inc. Mobile device communication system
KR100763793B1 (ko) 2006-10-12 2007-10-05 주식회사 하이스마텍 다기능 이동통신단말기 및 이를 이용한 통신방법
US9312923B2 (en) 2011-09-26 2016-04-12 Cubic Corporation Personal point of sale
US9083486B2 (en) 2011-09-26 2015-07-14 Cubic Corporation Personal point of sale
US9473295B2 (en) 2011-09-26 2016-10-18 Cubic Corporation Virtual transportation point of sale
US10019704B2 (en) 2011-09-26 2018-07-10 Cubic Corporation Personal point of sale
AU2013205181B1 (en) * 2012-02-29 2013-07-18 Google Llc In-card access control and monotonic counters for offline payment processing system
US8898088B2 (en) 2012-02-29 2014-11-25 Google Inc. In-card access control and monotonic counters for offline payment processing system
US8959034B2 (en) 2012-02-29 2015-02-17 Google Inc. Transaction signature for offline payment processing system
AU2013202684B1 (en) * 2012-02-29 2013-07-18 Google Llc In-card access control and monotonic counters for offline payment processing system
US9020858B2 (en) 2012-02-29 2015-04-28 Google Inc. Presence-of-card code for offline payment processing system
AU2013205181B9 (en) * 2012-02-29 2013-07-25 Google Llc In-card access control and monotonic counters for offline payment processing system
AU2013202684B9 (en) * 2012-02-29 2013-07-25 Google Llc In-card access control and monotonic counters for offline payment processing system
US10192214B2 (en) 2013-03-11 2019-01-29 Google Llc Pending deposit for payment processing system

Also Published As

Publication number Publication date
CA2288727C (fr) 2006-07-11
HUP0001872A2 (hu) 2000-09-28
HK1026286A1 (en) 2000-12-08
PL336938A1 (en) 2000-07-17
HU224268B1 (hu) 2005-07-28
NO995529D0 (no) 1999-11-12
CN1256775A (zh) 2000-06-14
JP2001525093A (ja) 2001-12-04
ATE300770T1 (de) 2005-08-15
AU7560298A (en) 1998-12-08
IL132689A0 (en) 2001-03-19
SE512748C2 (sv) 2000-05-08
AU741873B2 (en) 2001-12-13
CN1218261C (zh) 2005-09-07
EP0981804B1 (fr) 2005-07-27
NZ501074A (en) 2002-02-01
CA2288727A1 (fr) 1998-11-19
NO995529L (no) 2000-01-10
US7254561B1 (en) 2007-08-07
DE69830993T2 (de) 2006-04-13
AU741873C (en) 2004-07-08
SE9701814D0 (sv) 1997-05-15
SE9701814L (sv) 1998-11-16
NO337079B1 (no) 2016-01-18
EP0981804A1 (fr) 2000-03-01
DE69830993D1 (de) 2005-09-01
HUP0001872A3 (en) 2002-02-28
RU99127302A (ru) 2001-09-27

Similar Documents

Publication Publication Date Title
AU741873C (en) Electronic transaction
US7558407B2 (en) Tokenless electronic transaction system
US8016189B2 (en) Electronic transaction systems and methods therefor
US6985608B2 (en) Tokenless electronic transaction system
AU2004252925B2 (en) Transaction verification system
US6078902A (en) System for transaction over communication network
US20090150294A1 (en) Systems and methods for authenticating financial transactions involving financial cards
WO2001084509A2 (fr) Procede et appareil permettant d'effectuer des paiements en toute securite
WO2000046737A1 (fr) Transactions electroniques biometriques de valeurs stockees sans carte
GB2361790A (en) Making secure payments using a limited use credit card number
Chaum et al. 'Minting'electronic cash
CA2793270A1 (fr) Systeme de stockage et de transfert de message
CZ390599A3 (cs) Elektronická transakce
Hansmann et al. Smart Cards and e-business
CA2204547A1 (fr) Methode permettant de proteger de bout en bout les transactions de services de paiement et de transfert electronique de fonds sur tout reseau non protege et non fiable
CA2344841A1 (fr) Transmission par internet de paquets de donnees codees relatives aux fonds
MXPA99010425A (en) Electronic transaction

Legal Events

Date Code Title Description
WWE Wipo information: entry into national phase

Ref document number: 132689

Country of ref document: IL

Ref document number: 98805151.6

Country of ref document: CN

AK Designated states

Kind code of ref document: A1

Designated state(s): AL AM AT AT AU AZ BA BB BG BR BY CA CH CN CU CZ CZ DE DE DK DK EE EE ES FI FI GB GE GH GM GW HU ID IL IS JP KE KG KP KR KZ LC LK LR LS LT LU LV MD MG MK MN MW MX NO NZ PL PT RO RU SD SE SG SI SK SK SL TJ TM TR TT UA UG US UZ VN YU ZW

AL Designated countries for regional patents

Kind code of ref document: A1

Designated state(s): GH GM KE LS MW SD SZ UG ZW AM AZ BY KG KZ MD RU TJ TM AT BE CH CY DE DK ES FI FR GB GR IE IT LU MC NL PT SE BF BJ CF CG CI CM GA GN ML MR NE SN TD TG

DFPE Request for preliminary examination filed prior to expiration of 19th month from priority date (pct application filed before 20040101)
121 Ep: the epo has been informed by wipo that ep was designated in this application
WWE Wipo information: entry into national phase

Ref document number: PV1999-3905

Country of ref document: CZ

ENP Entry into the national phase

Ref document number: 2288727

Country of ref document: CA

Ref document number: 2288727

Country of ref document: CA

Kind code of ref document: A

WWE Wipo information: entry into national phase

Ref document number: 09423511

Country of ref document: US

ENP Entry into the national phase

Ref document number: 1998 549154

Country of ref document: JP

Kind code of ref document: A

WWE Wipo information: entry into national phase

Ref document number: PA/a/1999/010425

Country of ref document: MX

Ref document number: 501074

Country of ref document: NZ

WWE Wipo information: entry into national phase

Ref document number: 1998923270

Country of ref document: EP

WWE Wipo information: entry into national phase

Ref document number: 75602/98

Country of ref document: AU

WWP Wipo information: published in national office

Ref document number: 1998923270

Country of ref document: EP

REG Reference to national code

Ref country code: DE

Ref legal event code: 8642

WWP Wipo information: published in national office

Ref document number: PV1999-3905

Country of ref document: CZ

WWR Wipo information: refused in national office

Ref document number: PV1999-3905

Country of ref document: CZ

WWG Wipo information: grant in national office

Ref document number: 75602/98

Country of ref document: AU

WWG Wipo information: grant in national office

Ref document number: 1998923270

Country of ref document: EP

点击 这是indexloc提供的php浏览器服务，不要输入任何密码和下载